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Consolidated Statements Of Income - USD ($)
 3 Months Ended
Mar. 31, 2019
Mar. 31, 2018
Interest Income    
Loans $ 6,654,000 $ 5,674,000
Securities    
US Government and agency obligations 185,000 198,000
Mortgage backed securities 61,000 68,000
Municipals - taxable 78,000 79,000
Municipals - tax exempt 3,000 3,000
Dividends 18,000 8,000
Other (Corporates) 23,000 23,000
Interest bearing deposits 91,000 35,000
Federal Funds sold 121,000 67,000
Total interest income 7,234,000 6,155,000
Deposits    
NOW, money market savings 306,000 192,000
Time Deposits 748,000 581,000
FHLB borrowings   1,000
Capital notes 4% due 1/24/2022 50,000 50,000
Total interest expense 1,104,000 824,000
Net interest income 6,130,000 5,331,000
Provision for loan losses 210,000 22,000
Net interest income after provision for loan losses 5,920,000 5,309,000
Noninterest income    
Gain on sales of loans held for sale 691,000 620,000
Service charges, fees and commissions 439,000 464,000
Increase in cash value of life insurance 83,000 85,000
Other 6,000 17,000
Total noninterest income 1,219,000 1,186,000
Noninterest expenses    
Salaries and employee benefits 2,928,000 2,713,000
Occupancy 421,000 395,000
Equipment 458,000 379,000
Supplies 162,000 149,000
Professional, data processing, and other outside expense 815,000 815,000
Marketing 145,000 140,000
Credit expense 127,000 125,000
Other real estate expenses 139,000 40,000
FDIC insurance expense 94,000 101,000
Other 310,000 240,000
Total noninterest expenses 5,599,000 5,097,000
Income before income taxes 1,540,000 1,398,000
Income tax expense 306,000 275,000
Net Income $ 1,234,000 $ 1,123,000
Weighted average shares outstanding - basic 4,378,436 4,378,436
Weighted average shares outstanding- diluted 4,380,959 4,378,526
Earnings per common share - basic $ 0.28 $ 0.26
Earnings per common share - diluted $ 0.28 $ 0.26